topic Re: Hard Inquiry on TU today! in Rebuilding Your Credithttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1842305#M233737
When I sent an INQ removal rqst to the CRA they adv contact CA. When I sent rqst to CA got a nice reply back saying unauth INQ is valid in attempting to collect a debt... blah blah blahWed, 30 Jan 2013 02:42:16 GMTMzKoli2013-01-30T02:42:16ZHard Inquiry on TU today!http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841327#M233621
<P>I thought I was over this mess, but it looks like a few bottom feeders are still out there!</P><P><BR />Got an alert today there was a new hard&nbsp; inquiry on my TU from Wein, Welman &amp;&nbsp;Reis. After researching them, it appears they buy OLD OLD OLD junk debt. I have NOT received a call from them, and have NOT seen a dunning letter.</P><P>&nbsp;</P><P>Should I DV them now, or wait to see if I get a letter? Any options for getting the hard inquiry removed?</P><P>&nbsp;</P><P>I used to know these answers, but got a bit rusty after getting everything cleaned up and "gardening" my new accounts. Just used to wait around for letters, but it is amazing how protective I am of my CR now that I got out of that black hole I created years ago!</P><P>&nbsp;</P><P>&nbsp;</P>Tue, 29 Jan 2013 19:09:24 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841327#M233621kshew972013-01-29T19:09:24ZRe: Hard Inquiry on TU today!http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841339#M233625
<P>They should not have done a HP IMO.&nbsp; If they are not on your CR it should have been a SP.</P><P>&nbsp;</P><P>I would tell the CRAs you DO NOT have a business relationship with them and since they are not on your CR they should have done a SP.</P>Tue, 29 Jan 2013 19:14:22 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841339#M233625guiness562013-01-29T19:14:22ZRe: Hard Inquiry on TU today!http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841391#M233634
<P>+1 and I would send the DV now, the HP of your CR would be considered a first contact. &nbsp;Any DV sent now would be considred timely. &nbsp;Also, you should receive a dunning notice from them within 5 days.</P>Tue, 29 Jan 2013 19:29:41 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841391#M233634Shogun2013-01-29T19:29:41ZRe: Hard Inquiry on TU today!http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841449#M233639
<P>I presume, with all the names in their title, that they are also a law firm?</P><P>If so, it is difficult to say at this point whether they are acting as legal counsel for the creditor, or as their debt collector.</P><P>If, as your research appears to show, they have a primary business of collection of debt, they would become a debt collector.</P><P>&nbsp;</P><P>The issue of whether or not their inquiry was a communication is not determinative of whether you can DV them, as any DV is timely until they have sent dunning notice and the 30 day period set therein has expired.&nbsp; So I would send a DV, and if they are in fact acting as a debt collector, they must cease any collection activities until they have provided verification.&nbsp; If they are not asserting to be a debt collector, as absence of dunning notice might imply, the DV would be moot.</P><P>&nbsp;</P><P>Send a DV and get a collection bar in the event they do assert to be a debt collector.</P><P>&nbsp;</P><P>As for challenging their inquiry, the issue is whether they have a permissible purpose.&nbsp; If authorized legal counsel, I would presume they have the full authority to act on behalf of their client, who does have permissible purpose.&nbsp; If a debt collector, they have their own express permissible purpose.</P><P>&nbsp;</P><P>The FCRA does not regulate coding of hard vs soft inquiries other than inquiries for which you have not initiated a request for credit or insurance...so-called promotional inquiries.&nbsp; Tough to pursue coding disputes when they otherwise have a permissible purpose.</P><P>&nbsp;</P>Tue, 29 Jan 2013 19:46:18 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841449#M233639RobertEG2013-01-29T19:46:18ZRe: Hard Inquiry on TU today!http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841455#M233640
<P>Any advice on how to/what type of wording to include in a DV that would also address them (hopefully) removing the HP?</P>Tue, 29 Jan 2013 19:48:30 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841455#M233640kshew972013-01-29T19:48:30ZRe: Hard Inquiry on TU today!http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841805#M233675
<P>I would not include anyting regarding the inquiry in your DV.&nbsp; It is unrelated, and might result in their interpretation of your DV as a dispute.</P><P>&nbsp;</P>Tue, 29 Jan 2013 22:14:53 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841805#M233675RobertEG2013-01-29T22:14:53ZRe: Hard Inquiry on TU today!http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841829#M233680
<P>+1 &nbsp;Don't include any wording that might be taken as a dispute.</P><P>&nbsp;</P><P>They may be a law firm, they may not. &nbsp;I've seen many CAs with their names manipulated to sound like they are law firms or they are some type of authority.</P>Tue, 29 Jan 2013 22:34:54 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841829#M233680Shogun2013-01-29T22:34:54ZRe: Hard Inquiry on TU today!http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841849#M233684
Forgive my ignorance, I wasn't aware you could dispute an inquiry. There is no TL on my CR.<BR /><BR />So, a DV letter, then what do I do about the inquiry? How do I approach the CRA to have it removed, or am I stuck with it?Tue, 29 Jan 2013 22:47:29 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1841849#M233684kshew972013-01-29T22:47:29ZRe: Hard Inquiry on TU today!http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1842305#M233737
When I sent an INQ removal rqst to the CRA they adv contact CA. When I sent rqst to CA got a nice reply back saying unauth INQ is valid in attempting to collect a debt... blah blah blahWed, 30 Jan 2013 02:42:16 GMThttp://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Hard-Inquiry-on-TU-today/m-p/1842305#M233737MzKoli2013-01-30T02:42:16Z